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When working more isn’t working - smarter ways to pay off debt faster

You’re already doing what you can, but the debt isn’t shrinking fast enough. Here’s how to make your money work smarter.

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Q: I’m 28 and I’ve been working two jobs for the past couple of years to deal with debt I racked up in my early twenties. My main job is in sales and I bartend on weekends for extra cash. It’s helping, but I’m burnt out, which makes it hard to spend time with my girlfriend. I can’t keep burning the candle at both ends if I want a future with her. I want to pay for a wedding someday, save for a house, we maybe want to start a family. But I don’t see how any of that happens if I’m always working and the debt still keeps hanging over me. Is there a smarter way to tackle this? ~Erik

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